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4-Star Car Warranty
Get extended car warranty protection against the cost of breakdown repairs.
Worry no longer with immediate cover from Click4Warranty 4-Star Mechanical Breakdown Insurance.
No matter if you’re buying a used car, or your manufacturer’s warranty has expired or is about to expire, or you just want to protect the car you already have, look no further. Click4Warranty has the solution for you… and flexible payment options.
Read on for more information on how Click4Warranty 4-Star Mechanical Breakdown Insurance will protect you, and to find answer your questions.
4-Star Mechanical Breakdown Insurance
When you take out 4-Star Mechanical Breakdown Insurance with Click4Warranty, you’re getting solid protection against the financial impact of a mechanical breakdown or electrical failure of your car.
We understand that in a situation like this, it isn’t just the inconvenience of not having transport freely available to you, but there’s the financial impact to consider too. So, the most important thing it to get your car repaired and back on the road again. That’s exactly what our warranties are designed to do.
We’ll cover a comprehensive list of components against failure, as well as Wear & Tear. We’ll assess your claim quickly and professionally, we’ll support you through the claims process, offering expert technical advice and ensuing the best outcome. In addition, we’ll pay your claim, within days, directly to the repairer. And that’s just one of many reasons you’ll be glad you took out a Click4Warranty policy.
You’ll also be comfortable knowing your Click4Warranty Mechanical Breakdown Insurance cover guarantees this list of valuable benefits in the event of a covered claim:
- 21-day cooling off period with full premium refund.
- Cover from 1 to 3 years to suit your pocket and your needs.
- A choice of once-off payment or monthly instalments to make life easier.
- Up to £100 roadside recovery in the event your car breaks down and can’t be driven.
- Up to £30 a day towards a replacement vehicle while yours is off the road for repair.
- Up to £60 for accommodation if you’re stranded far from home, or to pay for onward rail transport.
Please read this document to help you decide if our 4-Star Extended Car Warranty is the right option for you.
Initial Disclosure Document (IDD)
Click4Warranty Mechanical Breakdown Warranty Policy Wording
Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document
If you’d like a copy of your existing policy wording, please email us at email@click4group.co.uk or call us weekdays on 0208 8193424, during office hours.
Why Click4Warranty for your warranty cover?
Here are just a few of the reasons we’ll always be your best choice for warranty cover:
How we treat you
We’re totally committed to the principals of Treating our Customers Fairly. Whether it’s how we design our products, to putting our customers first in delivering service and managing claims, our goal is to ensure we provide you with clear and transparent information, so you’re empowered to make decisions based on what is right for you. You can see here, how much our customers appreciate that we go the extra mile for them.
How we help you
Our friendly and helpful UK-based Customer Service team are always on hand to answer your questions, during office hours. We also have real people ready and willing to help you on our website through our live chat function (you’ll see the link at the bottom right of the web page). Their focus is always entirely on you, to understand your needs and to make sure they can help you to find the right solution.
How you can have confidence in our standards
You can always be assured that we hold ourselves to the very highest standards through being regulated and authorised by the Financial Conduct Authority. To be registered with the FCA we must first prove to them that we meet their stringent requirements, and then continue to follow the rules and standards put in place, in order to maintain our registration.
How we give you stress-free claims management:
You take out your policy with us so that in the event you have to claim, you know we have you covered. That’s why we’ve appointed our specialist claims management partner, AutoProtect (MBI) Ltd. Their qualified and experience technical claims team will manage your claim effectively and efficiently, to make sure they keep the process as stress free as possible, and to settle your claim quickly so you can get on with your life.
But don’t just take our word for it. See what our customers have to say.
Take a look at what you can expect and decide if this is cover you can afford to be without.
Click4Warranty 4-Star Mechanical Breakdown Insurance
This is comprehensive vehicle cover, with only a few component exclusions
The Click4Warranty 4-Star Mechanical Breakdown Insurance provides cover for most major components in your vehicle, as well as labour costs and VAT.
Additional benefits include:
- Contribution towards vehicle replacement of up to £30 a day including VAT, for up to 7 days.
- Roadside recovery up to £100 including VAT.
- Contribution towards completing your journey by car or rail of up to £60 including VAT.
- Cover for up to 60 days a year in the Republic of Ireland and mainland Europe.
| Covered Component | Click4Warranty 4-Star Car Warranty
Provides cover for all mechanical and electrical parts for the covered components listed below |
| Air Conditioning (factory fitted) | Air conditioning compressor unit. |
| Anti-Locking Braking System | ABS modulator and sensors. |
| Automatic Gearbox | Internal shafts, gears, clutches, brake band, valve block, governor, oil pump, bearings and bushes, servo, drive plate and transfer gear. |
| Brakes | Front and rear drive axle wheel bearings, brake master cylinder, wheel cylinders, restrictor valve, brake caliper seals. Note: Cover is limited to £100 including VAT per claim. |
| Casings | Should the failure of any of the covered components result in damage to the casings, then they will also be covered and will constitute part of the maximum claim liability. |
| Continuously variable transmission CTX | Internal clutches, planetary gears, reduction gears, shafts, variable pulleys, thrust link drives, internal seals, bushes and bearings. |
| Clutch | Centre plate materials, pressure plate, release bearing, oil contamination (centre plate only), master and slave cylinders. Note: Cover for labour is not provided for these parts. |
| Differential | Internal crown wheel and pinion, planet gears, shaft bearings and bushes, thrust washers and spacer. |
| Electrical System | Starter motor and solenoid, including pre-engagement mechanism and bendix drive, alternator, diode pack, coil voltage regulator, indicator relay, front windscreen wiper and washer motors. Note: Cover is provided to a maximum £100 including VAT per claim. |
| Engine | Rocker assembly including hydraulic followers, inlet and exhaust valves (excluding burnt valves), springs and guides, cylinder head (excluding cracks an de-coking or porous heads), cylinder head gasket (except skim), push rods, camshafts and followers, timing gears and chains (excluding tensioner), oil pump, pistons and rings, cylinder bores, con rods, gudgeon pins and bearings, crankshaft and bearings, inlet manifold, flywheel and ring gear. Timing belts are covered provided they have been changed in line with the manufacturer’s schedule (proof required). |
| Engine Cooling System | Viscous fan coupling, water pump, thermostat housing, thermostat. |
| Front and Rear Suspension | Coil springs. |
| Fuel System | Carburettors, mechanical or electrical fuel pumps, injection pump. Note: Cover is provided up to a maximum £100 including VAT per claim. |
| Manual Gearbox | Internal gears, internal shaft, synchromesh hubs, selectors, bearings and bushes, transfer gears. |
| Propshaft | Universal joints and couplings. |
| Torque Converter | Failure of any internal mechanical parts. |
| Turbo Charger | Turbo charger unit. |
| Wheel Bearings | Front and rear drive axle wheel bearings. |
| Working Materials | Oils, oil filter and anti-freeze are covered only where their replacement is essential as a direct result of the failure of a covered component. |
| Wear & Tear | Covers failure of mechanical and electrical parts due to Wear & Tear. |
| Parts not covered | The above list specifies each insured part. If the part is not listed, it is not covered. |
FAQs
What is car warranty insurance?
When your car suddenly breaks down or isn’t driving as it should, your first thought is generally how much is this going to cost me? And these days, with finances being what they are, fixing faults and replacing broken car parts can be more that we can cope with right now. But taking out the right extended car warranty can give you vital protection to help get your car back on the road, without the unwanted, financial blow. And, when you consider that you can make this a monthly expense rather than a once off expense, it just makes sense.
So, here’s the good news! Click4Warranty 4-Star Mechanical Breakdown Insurance provides comprehensive parts cover that will give you peace of mind if your car breaks down. Helping you locate a suitable approved repairer, paying the repairer directly and getting your car back on the road quickly and safely is our priority.
Plus, we’ll cover you for the inconvenience of towing, being left without transport or stranded miles from home. We want you and your car safe and back on the road. It’s just what we do.
How does extended warranty cover work?
An extended car warranty provides similar, but more comprehensive cover than a manufacturer warranty. It’s financial protection against mechanical breakdown or electrical failure of covered components, saving you from having to cover the cost yourself.
With a Click4Warranty car warranty you’ll get cover for a long list of critical components, as well as the cost of labour and VAT to repair or replace them. We’ll also cover failure as a result of Wear & Tear of covered parts.
This means that if your car breaks down as a result of the mechanical breakdown or electrical failure of any of these covered parts, so long as you follow the policy requirements, we’ll pay out up to the maximum claim benefit level you selected per claim, and as stipulated on your policy schedule.
Are extended car warranties worth it?
Click4Warranty Mechanical Breakdown Insurance is a fully insured and regulated product that’s designed to help you keep your car on the road… saving you from having to carry the cost of repair alone.
With the average cost of mechanical breakdown or electrical failure on the increase, this is cover that you may well want to consider. It also means that you’re paying at today’s rate for repairs that could well take place up to 3 years in the future.
Let’s look at a few examples of recent claim values and see if these are amounts you’d feel comfortable covering yourself.
Recent Claims*
| Make | Repair | Amount |
| Ford | Injection Pump | £877.43 |
| Vauxhall | Gearbox | £969.03 |
| Volkswagen | Timing Chain | £641.69 |
| BMW | Clutch | £788.26 |
| Mini | Fuel System | £482.93 |
| Nissan | Suspension | £890.73 |
| Audi | Brakes | £697.22 |
* Taken from claims over the period January to July 2022
Do I need a car warranty on a used car?
Any car that is no longer covered by the manufacturer warranty can be covered by an extended car warranty, such as Click4Warranty’s 4-Star Mechanical Breakdown Insurance.
Check the benefits in the policy wording below and see if this is cover you can afford to be without.
Click4Warranty Mechanical Breakdown Warranty Policy Wording
Click4Warranty Mechanical Breakdown Warranty Insurance Product Information Document
Does my car need to be inspected before I can take out warranty cover?
We don’t put obstacles in your way, we like to keep it simple. At Click4Warranty our policies cover your car from day one, without any need for a pre-inspection or health-check.
Please remember to read your policy wording for full details of your cover.
Does my car need a full service history before I can take out warranty cover?
Whether your car has a partial service history, no proof of service or has not been serviced by a VAT registered garage in the last 12 months you can still benefit from the protection of a Click4Warranty policy.
Simply take out your cover and ensure you have a service completed by a VAT registered garage within 21 days or 500 miles (whichever comes first). Then, simply follow the manufacturers service schedule from then on, at the intervals set by them.
How long after I purchase my car can I still get warranty cover?
Your Click4Warranty warranty insurance can start any time from the very first day after your manufacturer warranty expires, so that you’re never without cover… right up to age 12 years. And there’s no age or mileage limit after your policy start date.
Whose name should be on the policy?
A Warranty Insurance policy should be in the same name as the vehicle owner or keeper.
How do I pay for my car warranty cover?
To make this as convenient for you as possible, we provide two ways in which you can pay for your cover:
- You can make one, single payment through your credit or debit card, and enjoy cover that will start immediately your payment is received.
- You can pay choose to pay with our convenient monthly payment plan. This means you’ll pay a 20% deposit in month one and then nine, equal payments for the balance. This is not a credit agreement, requires no credit checks, and your cover will start as soon as your deposit payment is received.
Does the premium cover the whole term of the policy, or is it a per year premium?
Your Click4Warranty premium will protect you for the full term of the cover you select. This could be either 12, 24 or 36 months, as long as you premium is paid in full.
How do I claim on my Mechanical Breakdown Insurance policy?
Our specialist claims managers, AutoProtect (MBI) Ltd. Have been appointed to provide you with an efficient and effective claim experience.
To register your claim, please call 01279 456501, weekdays from 9am to 5pm and Saturday from 9am until 1pm.
For more information, please click here.
Does a Click4Warranty policy cover any type of vehicle?
We cover cars, vans and pickups. Your vehicle must also:
– not be non-standard, customised or modified outside of UK Manufacturer’s specifications
– not be a public service vehicle such as a policy, military or fire service vehicle
– not be used for hire or reward, such as taxis, self-drive hire, driving school or delivery courier
– not be a vehicle used in any sort of rally, speed testing, 4×4 off-roading, racing or any kind of competition or trial
– not be a vehicle with a gross weight of more than 3.5 tonnes
You can check out the terms and conditions for full details.
Does my Click4Warranty policy pay for my car’s roadside recovery?
Your policy covers up to £100 of your roadside recovery costs, as well as provides assistance with ongoing transport and/or accommodation.
Please read the Policy Wording for full details.
When would my warranty cover not pay a claim?
Click4Warranty pays all valid claims. However, there some circumstances in which a claim will not be considered valid, such as:
- Neglect, corrosion, rust or deterioration.
- Not keeping the vehicle in a roadworthy condition.
- Not servicing the vehicle in line with the servicing requirements once the cover has started.
- Accidents and accidental damage to the vehicle.
Your policy document details the full list of exclusions.
Can I transfer my car warranty cover when I sell my vehicle?
If you sell your vehicle to a private individual, and there is still an unexpired period of cover, you will be able to transfer this cover to the new owner. All you need to do is apply in writing to the administrator before you sell the vehicle. There is a transfer fee of £25 which you must enclose with your application.
The unexpired portion of the policy will be transferred when it’s sold, as long as all the documentation is passed to the new owner and, the vehicle has been serviced and maintained since the policy start date, according to the manufacturer requirements.
Please send your application and fee to: The Administrator, AutoProtect (MBI) Ltd., Warwick House, Roydon Road, Harlow, Essex, CM19 5DY
Can I transfer my car warranty cover when I buy a new vehicle?
Unfortunately, your warranty cannot be transferred to anther vehicle.
Can I cancel my car warranty cover?
In the event you decide this cover isn’t for you, you can cancel with a full premium refund during the first 21 days, so long as you haven’t made a claim, or don’t intend making one.
If you decide to cancel after the 21 days, you will be eligible for a pro-rata refund, under the same conditions, less an administration fee of £50.
Who is the insurer of this policy?
Red Sands Insurance Company (Europe) Limited, who are registered in Gibraltar (87598) and are licenced by the Gibraltar Financial Services Commission are the insurers of your policy.
